Never been offered a 12 payment plan from tDMM. But I've been happy with them - they now handle my bike, car and home. I tried them for bike ins. 7 years ago, and they were pricing me through the roof at over 2400$. Lowest I could find for years was Riders Plus at around 1100$. TDMM was always cheapest for my car and house, though, and then they just cold called me and said their bike rates had changed, boom -- under 700$. I added some coverage and made out at around 780 or so -- still a happy cold call for once.